Saga travel insurance review

Since being founded 75 years ago as a provider of affordable holidays for older people, Saga has branched into providing various financial products aimed at the over-50s.

It offers three tiers of travel insurance cover: Essential (lowest), Standard and Plus (highest). However, with Plus and Standard, you'll get different levels of cover again, depending on whether you've bought annual or single-trip insurance.

Saga's policies are underwritten by Astrenska Insurance Limited.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an insurer before committing to any financial products.

Compare travel insurance deals

This insurer isn't available on Confused.com, but you can get quotes from other insurers and compare the cheapest with our reviews.

Get a quote

Does Saga offer the best travel insurance?

We've rated dozens of insurers on their policies. Members can log in now to read our full reviews. If you're not already a member, join Which? and get full access to these results and all our reviews.

'What you need to know about Saga's policies'

Dean Sobers, Which? travel insurance expert, says:

I've been analysing Saga's extensive range of policies for a decade.

If you're a Which? member you can log in (or if not, sign up) to read my explanation of their strengths and weaknesses.

Is Saga travel insurance good if you have a medical condition?

Saga is a specialist provider for covering customers with pre-existing medical conditions. This means it may be more likely to cover customers with conditions that other insurers would be less likely to take on.

However, if you have a medical condition, you should still look at a mixture of specialist and non-specialist providers

To add your conditions to the policy, you'll need to declare them when you take it out. Saga works with a medical screening company called Verisk to ask customers about their medical conditions.    

However, if you're struggling to get cover, see our guide on travel insurance if you have a medical condition.

How good is Saga at handling claims?

Saga uses a company called Collinson Insurance Services to handle claims.

• According to the most recently published data, Saga's underwriter – Astrenska Insurance Limited – accepted 90% to 95% of claims made on annual European policies in 2024. This is higher than the market average of 86.30%
• It paid 90% to 95% of claims on worldwide policies, above the market average of 84.50%
• It accepted 85% to 90% of single-trip claims, above the average of 80%

Saga's travel insurance: how can I claim?

For medical emergencies abroad, or if your passport is lost or stolen, call +44 (0) 1444 442 105.  If you're travelling in the UK, call 0800 092 2101.

For other types of claim, call +44 (0) 1444 442 106 from abroad, or 0800 092 2099 from the UK. You can also start a claim online. 

Before calling for cancellation claims, you should contact your travel agent and/or airline to see if you can get a refund or move your trip.

You'll need to provide your policy number when you call.

• Find out more: how to claim on your travel insurance.

How does Saga compare with other providers?

Log in or sign up to see how Saga's policies compared with those of other providers.

Should you buy Saga travel insurance?

Only Which? members can read our ultimate verdict on Saga's cover, so log in or sign up to find out what it is.

How we rate travel insurance

Find out how Saga compares with other products

• Saga car insurance review
• Saga home insurance review